> Why was it listed separately at all? Because the bill included a detailed breakdown of all the fees by type and transaction. Typically our clients were char

> Why was it listed separately at all? Because the bill included a detailed breakdown of all the fees by type and transaction. Typically our clients were charged a fixed monthly fee, a fixed authorization fee charged every time a payment was attempted (even if it was declined), and a fee applied to successful payments that was a percentage of the payment amount. There were other fees for things like processing chargebacks, but IIRC they were the same for everyone. > If the month's charges were 406.783228 and I get a bill for 406.79 then that seems perfectly good. Yeah, we definitely weren't allowed to round up and keep the change. I can't claim to know all the details involved but I suspect that doing so would've at least violated our contract with the payments gateway. Might've actually been illegal. > If I get a bill that says 406.78, plus a separate 0.01, that's weird. That's not how it worked. For the sake of simplicity let's assume that your activity is always the same, therefore you have new charges totaling exactly $406.783228 every month. * Month 1: You owe $406.783228, your bill is $406.78, a balance of $0.003228 rolls over. * Month 2: You owe $406.786456, your bill is $406.78, a balance of $0.006456 rolls over. * Month 3: You owe $406.789684, your bill is $406.78, a balance of $0.009684 rolls over. * Month 4: You owe $406.792912, your bill is $406.79, there's a $0.01 "other fee" line item on the bill, and a balance of $0.002912 rolls over.